Enquire Business Insurance
Marine Insurance
Protect Your Cargo Wherever It Travels
Protection for eligible cargo and vessels against covered risks during transportation by sea, land, or air.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
It protects eligible cargo and vessels against covered risks — damage, accident, theft, and loss — while goods are being transported, whether the shipment is international or local.
Why it matters
Why Marine Insurance Matters
Your goods can travel through several stages before reaching their destination, and a loss at any point can affect your business, customers, and cash flow. Marine Insurance helps transfer certain transportation risks to the insurer and provides financial protection against covered losses.
Goods travel through several stages
From the supplier's warehouse to the port, onto a vessel, and on to final delivery, a shipment passes through many hands. A loss at any point can affect your business, your customers, and your cash flow.
What can be covered
Depending on the policy: cargo, marine vessels and hulls, goods transported internationally, and goods transported locally — by sea, land, or air.
Who it's for
Who this cover is for
- Importers and exporters
- Shipping and logistics companies
- Transporters and couriers
- Traders moving stock
- Manufacturers with supply chains
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Cargo Insurance
Covers goods in transit against loss, damage, theft, and general average.
02
Hull & Machinery
Protects the vessel itself against physical loss or damage.
03
Freight & Liability
Covers loss of freight and third-party liabilities arising from the voyage.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
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Cargo
Goods in transit against loss, damage, theft, and general average.
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Hull & machinery
Physical loss or damage to the vessel itself.
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International transit
Import and export shipments across borders.
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Local transit
Goods moved by road, rail, or air within the country.
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Freight & liability
Loss of freight and third-party liabilities arising from the voyage.
Key benefits
What you get with the cover
Door-to-door cover
Protection from origin warehouse to final destination.
Import & export ready
Cover for international trade as well as domestic transport.
Fast claims
Clear claims process to get your business moving again quickly.
Getting covered
What you'll need
To take out cover
- Import / export or shipping documents
- Details of the goods or cargo
- Value of cargo
- Origin and destination
- Mode of transportation
- Shipping or transit details
- Vessel details where applicable
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
General Average
A shared contribution by all cargo interests toward a loss incurred to save the voyage.
Institute Cargo Clauses
Standard sets of cover (A, B, C) defining the perils covered.
FAQ
Frequently asked questions.
The essentials on marine insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsDo I need marine insurance for local shipments?
Yes — goods transported by road, rail, or air locally are also exposed to theft and damage. Cargo cover can be arranged for domestic and international transit.
What does general average mean?
If a loss is incurred to save the whole voyage — for example jettisoning cargo in a storm — all cargo interests contribute proportionately to the loss.
Can I insure a single shipment?
Yes. Single-shipment policies are available, as are annual open-cover policies for businesses that ship regularly.
Flexible cover
Single shipment or open cover
Insure one consignment, or take an annual open cover if you ship regularly. Our team helps you match the cover to your goods, routes, and how often you trade.
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